MFCPCC0716
advised us of any change in circumstances.
Declaration
As far as You know, the following apply:
Cancellation and
Curtailment Insurance
Center Parcs is an Appointed Representative of Insure &
Go Insurance Services Limited which is authorised and
regulated by the Financial Conduct Authority.
Center Parcs act as the agent of the insurer in collecting
premiums; as soon as you have paid your premium it is
deemed to be held by the insurers, MAPFRE Assistance.
This policy is Your contract of insurance. Please read this
policy carefully, You should take it with You on Your trip to
help You deal with any emergency.
Your Contract of insurance - please read.
All insurance policies contain conditions and exclusions
which You should be aware of. It is important that You
read this policy carefully because it is the basis upon which
MAPFRE Assistance settles any claim. Please make sure
that the cover meets your needs and that You comply with
condition 1 of the General conditions.
For clarification of any of the terms and conditions please
do not hesitate to contact Insure and Go – 01454 640024.
The policy describes the cover provided for You and the
conditions which Your cover depends on. We will pay You
or Your personal representative if You make a valid claim.
You must keep to the terms and conditions of this
insurance.
Insurers
This insurance is underwritten by MAPFRE Asistencia
Compañía Internacional de Seguros y Reaseguros,
Sociedad Anonima. 5th Floor, Alpha House, 24a Lime
Street, London EC3M 7HS. Company Number: FC021974.
Branch Number BR008042. Trading under the name
MAPFRE Assistance.
We (MAPFRE Asistencia) are authorised by the Dirección
General de Seguros y Fondos de Pensiones and are subject
to limited regulation by the Financial Conduct Authority
and the Prudential Regulation Authority. Details about the
extent of our regulation by the Financial Conduct
Authority and the Prudential Regulation Authority are
available from us on request.
MAPFRE Asistencia Compañía Internacional de Seguros y
Reaseguros, S.A. branch in the United Kingdom (trading as
MAPFRE Assistance) has registered offices at 5th Floor,
Alpha House, 24a Lime Street, London EC3M 7HS. MAPFRE
Asistencia main office is based in Spain which forms part
of the EEA (European Economic Area) as a member state.
The Kingdom of Spain is responsible for controlling the
insurance activity of MAPFRE Asistencia S.A., through the
Spanish Ministry of Economy and the Treasury, and
specifically the General Directorate for Insurance Matters
and Pensions Fund (Dirección General de Seguros y Fondos
de Pensiones). Its branch in the United Kingdom is also
under the United Kingdom FCA (Financial Conduct
Authority) and PRA (Prudential Regulation Authority)
supervision in certain situations according to the European
Union Regulation. You can check this on the Financial
Services Register by visiting the FCA’s website
http://www.fca.org.uk/register/ or by contacting the FCA
on 0800 111 6768.
Our travel insurance products and service
This travel insurance is suitable for those who wish to
insure themselves when travelling in respect of losses to
possessions/money, personal liability and similar expenses
incurred from their travel and/or cancellation.
We only offer travel insurance products from a single
insurer. We do not give advice or make personal
recommendations in connection with any travel insurance
product. However, we will ask you questions in order to
provide you with a quotation, leaving you to make your
own decision as to how you wish to proceed and whether
this product fulfils your specific insurance requirements.
Insurance premiums and fees
Center Parcs act as agents of the insurer in collecting
premiums; as soon as you have paid your premium it is
deemed to be held by the insurers MAPFRE Assistance.
Your duty
You are responsible, on an ongoing basis, for providing us
and/or your insurers with all facts relating to the travel
cover we arrange on your behalf. Such facts are those
which are likely to affect the assessment and acceptance
of the risks being insured. Failure to provide full and
accurate information may mean that your travel policy is
invalid. If you are in any doubt as to what facts might be
considered to be material then you should disclose them
to us or your insurers. We have the right to re-assess your
coverage, policy terms and/or premium after you have
1.
2.
3.
4.
5.
You are not aware of any reason why the holiday
may be cancelled or curtailed or of any medical
condition which could result in a claim.
Where You are undergoing medical treatment as a
hospital in-patient or out-patient at the date the
final cost of the holiday is due to be paid, medical
advice must be sought to confirm Your ability to
travel and endure the holiday.
Where You have received medical treatment as a
hospital in-patient or out-patient during the 6
months prior to the booking of the holiday, You
must obtain medical advice that You are fit to take
the holiday.
You are not receiving or waiting for medical tests
or treatment for any medical condition or set of
symptoms that have not been diagnosed, as any
claim arising directly or indirectly from the medical
tests or treatment will not be covered.
You are not travelling against the advice of a
medical practitioner or for the purposes of
obtaining medical treatment or where a terminal
prognosis has been given.
Important information
Please read this policy carefully and remember the
following:
Cancellation of policy
You can cancel this policy within 14 days from the date
you receive the confirmation invoice and this policy
wording unless you have made a claim. We will then
refund your premium in full. We will not refund your
premium after the 14 day period. We will only refund your
premium if the period from the date we issued the policy
until your scheduled return date home is greater than 28
days. You may cancel this policy by writing to Center Parcs
enclosing the confirmation invoice and this policy wording
within the 14 day cooling off period to the following
address: Guest Services, Head Office, One Edison Rise,
New Ollerton, Newark, Nottinghamshire, NG22 9DP.
Dangerous activities
You are not covered for any dangerous activity or
organised sports unless these are organised by Center
Parcs.
Definitions
Wherever the following words and phrases appear in this
policy they will always have the meanings shown below.
Acts of terrorism
An act, including but not limited to the use of threat of
force or violence, by any person or group, whether acting
alone or on behalf of or in connection with any
organisation(s) or government(s), committed for political,
religious, ideological or ethnic purposes or reasons,
including the intention to influence any government and
or to cause fear to the public, or any section of the public.
Business Associate
Anyone who works at Your place of business and who, if
You were both away from work at the same time, would
prevent the business from running properly.
Close Relative
Your mother, father, sister, brother, wife, husband, civil
partner, common-law-partner, daughter, son,
grandparent, grandchild, parent-in-law, son-in-law,
daughter-in-law, sister-in-law, brother-in-law, step-parent,
step-child, step-sister, step-brother, foster and adopted
children, fiancé, fiancée.
Home
The address where You live in the United Kingdom.
Period of insurance
Cancellation starts on the date the policy is taken out.
Curtailment cover begins when You leave home to go on
holiday and lasts until You return home, as long as that is
within the period shown on the confirmation invoice. We
will extend the period of insurance by up to 30 days at no
extra cost if You have to stay on holiday longer because of
events which you have no control over.
Pregnancy
Cover under this policy is provided for unforeseen events.
In particular, cover is provided under Sections 1 and 3 for
unforeseen bodily injury or illness. Childbirth is not
considered to be either unforeseen, or an illness or injury.
Therefore there is no cover if at the start of Your trip,
during Your trip or on Your return date, You are more than
36 weeks and 6 days pregnant for a single pregnancy, or
more than 32 weeks and 6 days for a multiple pregnancy.
Please make sure that Your medical practitioner and
Midwife are aware of Your travel plans and that You are
not travelling against medical advice.
1
Redundancy
Any person declared redundant, who is under 65 years
and under the normal retiring age for someone holding
that person’s position, and who has been employed for
two continuous years with the same employer at the time
of being made redundant.
Residence limits
This policy is only available if You are resident in the
United Kingdom. A United Kingdom resident is defined as
a person living in the United Kingdom for longer than 6
months and has a United Kingdom home address.
Trip
Cover is only available at the time of making a booking.
Your holiday or journey starts when you leave the place
You normally live in. The end of Your trip is the date that
You go back to Your home.
United Kingdom
This policy only covers holidays in the United Kingdom
which is defined as; England, Scotland, Wales and
Northern Ireland including the Isle of Man and Channel
Islands.
We, our, us
MAPFRE Asistencia Compañía Internacional de Seguros y
Reaseguros, Sociedad Anonima trading as Mapfre
Assistance.
You/Your
The individual named on the confirmation invoice and all
the members of the party as outlined under the
Registration/Occupant Form.
Cancellation and curtailment – Up to holiday cost
Please note:
Cancellation claims apply in respect of the total booked
unit of accommodation and not per person.
If Your holiday is Cancelled or Curtailed (cut short), we will
pay:
Up to the holiday cost for unused travel and
accommodation charges which are not recoverable
elsewhere and which You have paid or contracted to pay,
should You have to cancel Your holiday if one of the
reasons given below occurs during the Period of insurance,
Or;
Expenses You have paid or legally have to pay for travel
and accommodation which You do not use if You have no
choice but to cut short the holiday and if one or more of
the reasons given below occurs during the period of
insurance.
What You are covered for:
1.
Death, injury, illness, or being made subject to
quarantine of You or of any member of Your party
or a Close Relative or Business Associate of You or
any member of Your party.
2.
Your medical practitioner advised that You are not
fit to travel because you are suffering
complications of pregnancy or child birth and
provided You are not more than 36 weeks and 6
days pregnant for a single pregnancy, or more
than 32 weeks and 6 days for a multiple
pregnancy.
3.
You or any member of Your party being required
for jury service or as a witness in a court of law in
the United Kingdom.
4.
You or a member of Your party being made
redundant, as long as you had been working at
your current place of employment for a minimum
continuous period of two years, and that at the
time of booking the trip or the date you purchased
this insurance cover, whichever is earlier, you had
no reason to believe that you would be made
redundant. This cover would not apply if you are
self-employed or accept voluntary redundancy.
5.
It is necessary for You to stay at home after a fire,
storm, flood or burglary at your home or place of
business or any member of Your party’s home or
place of business, within 48 hours before the date
you planned to leave. We will need a written
statement from a relevant public authority
confirming the reason and necessity.
6.
Unforeseen posting of You or any member of Your
party or having agreed leave subsequently
cancelled by the emergency services or armed
forces, for operational reasons. This cover does
not apply to cancellation of leave due to war,
invasion, acts of terrorism, hostilities (whether
war be declared or not), civil unrest, revolution,
rebellion, act of foreign enemy or any similar
event.
What You are not covered for:
1.
We will not pay the first £75 of every claim made
for each booking. (This does not apply to deposit
only claims).
2.
Claims where a medical certificate has not been
obtained from a medical practitioner confirming
3.
that cancellation or curtailment of the holiday was
medically necessary (where relevant).
Any claim that comes from pregnancy or
childbirth, unless a qualified medical practitioner
confirms that the claim comes from the
complications of pregnancy or childbirth. Normal
childbirth would not constitute an unforeseen
event.
As well as the General Conditions, the following
exclusions and conditions apply:
1. Before You cancel or return home early for medical
reasons, You must get a medical practitioner’s
certificate to confirm that this is necessary.
2. If You cancel Your holiday or return home early
because of illness, injury or pregnancy complications
to a Close Relative or Business Associate, You must
get a medical practitioner’s certificate confirming
details of the illness or injury of the Close Relative or
Business Associate.
3. If Your claim is linked to a medical condition that had
already been diagnosed when You took out this
insurance, we may ask for a letter from Your medical
practitioner confirming that, when You booked Your
holiday, You were fit to travel and there was no sign
that Your condition would get worse before the end
of the holiday.
4. No cover shall apply if Your claim is linked to You
receiving or waiting for medical tests or treatment
for any condition or set of symptoms that had not
been diagnosed at the time this insurance was
bought.
5. This Policy will not cover any Claims arising directly
or indirectly from any Pre-Existing Medical Condition
known to You before the start of the Period of
Insurance affecting a Close Relative or Business
Associate who is not Insured under this Policy whilst
on Your Trip if:

they had received a terminal diagnosis at the
start of the Period of Insurance; or they were
on a waiting-list for, or knew they needed
surgery, inpatient treatment or investigation at
any hospital or clinic at the start of the Period
of Insurance;

they were aware of a Medical Condition or
suffering from symptoms but had not had a
diagnosis at the start of the Period of Insurance;
they have had surgery, inpatient treatment or
hospital consultations in the 90 days before the
start of the Period of Insurance.
6.
Any circumstances You are aware of at the time
this insurance is bought, or at time of booking
Your trip, if later, which You know might lead to
Your trip being cancelled must be declared to us.
7.
No cover shall apply in respect of Your
disinclination to travel or decision not to go on the
trip or curtail the trip for reasons other than those
listed under Cover above.
General exclusions that apply to all sections
You are not covered for anything directly or indirectly
caused by the following:
1.
Your suicide or attempted suicide, deliberately
injuring Yourself, solvent abuse or the effect of
alcohol or drugs.
2.
Deliberately putting Yourself at risk (unless You
are trying to save someone’s life).
3.
You taking part in wintersports, mountaineering,
pot holing, riding or driving in any kind of race,
scuba diving to more than 30 metres, flying except
as a passenger in a fully-licensed passenger
aircraft or any other dangerous activity or
organised sports unless these are organised by
Center Parcs.
4.
You motorcycling as either the driver or the
passenger of a motorcycle which is more than
125cc, unless the driver holds a current license
which allows them to ride a motorcycle of more
than 125cc.
5.
You taking part in manual work in connection with
a profession, business or trade.
General conditions that apply to this insurance
The following conditions apply to the whole of your policy:
1.
You must tell us any facts we ask for in the
declaration and which could affect this insurance
and any claims that are submitted. If You do not,
You may not be fully covered and Your claim may
be declined.
2.
You will not be covered for the following:
a.
Any other loss resulting directly or indirectly
from the cause of Your claim.
b.
Any claim which You could make under any
other insurance or any amount You can get
back from someone or somewhere else.
3.
Any claim caused directly or indirectly by the
following:
i.
Ionising radiation or radioactive
contamination from nuclear fuel or nuclear
ii.
iii.
iv.
v.
vi.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
waste, or any risk from an explosive nuclear
device or other nuclear equipment.
Your property being held, taken, destroyed
or damaged under the order of any
government or other authority.
Pressure waves caused by aircraft or other
flying machines travelling at or above the
speed of sound.
War, invasion, acts of terrorism, hostilities
(whether war is declared or not), civil unrest,
revolution, rebellion, act of foreign enemy or
any similar event. (You must follow any
relevant suggestions or recommendations
made by any government or any other
authority before and during the period of
insurance).
The use, release or threat of any nuclear
weapon or device or chemical or biological
agent.
The failure or fear of failure of any
equipment or computer program, whether
or not You own it, to recognise or correctly
interpret or process any date as the true or
correct date, or to continue to work correctly
after that date.
You must follow any relevant suggestions or
recommendations made by any government or
other authority before and during the period of
insurance.
You must do all that You can to keep Your claims
as low as possible and to prevent theft, loss and
damage.
If we pay any expenses which You are not covered
for, You must pay these back within a month of
the end of the period of insurance.
If You, or anyone acting for You, deliberately make
a false claim or statement, the insurance will end
and we will not pay any claims.
We may take action in Your name to get
compensation or security for loss, damage or
expenses covered by this insurance. You will not
pay anything towards this action, but any amount
or security handed over will belong to us.
All the sums insured and limits set out in this
policy include VAT.
English Law will apply to this contract of insurance
unless You and we agree otherwise and any
disputes will be heard in an English Court.
The premium for this insurance includes insurance
premium tax where necessary.
Unless agreed otherwise, the contractual terms
and conditions and other information relating to
this contract will be in the English Language.
The costs of making any claim against us, our
agents or representatives, or against any tour
operator, accommodation provider, carrier or any
person who You have travelled or arranged to
travel with.
How to make a claim
Contact the Cancellation Desk at Center Parcs by
telephoning 0344 826 7724 to arrange the cancellation in
accordance with the General Terms and conditions
applying to Your holiday booking with Center Parcs.
As soon as practicable after the happening of any event
which may give rise to a claim under this Insurance, a
claim form must be requested by telephoning the insurers
on 01454 640024. The phone line is open Monday - Friday,
9am – 5pm. You can download a claim form online from
www.travelclaimsservices.com/claims
The completed claim form should be forwarded together
with the documentation requested below to the Claims
Handler at the following address:
Travel Claims Services Ltd, 1 Victoria Street, Bristol Bridge,
Bristol, BS1 6AA.
You must give Travel Claims Services Ltd all the documents
they need to deal with any claim. You will be responsible
for any costs involved in doing this.
Important
Do not forward any documents until submitting the
completed claim form. Forward the completed claim form,
the original Confirmation Invoice/Receipt (or a copy of the
electronic confirmation invoice) containing the booking
reference, the date of booking and departure date in all
correspondence.
If You cancel the holiday
Please give the reason for cancelling the holiday and send
us Your cancellation advice. We will need written proof of
the reason for cancellation. If cancellation is due to illness
or injury, the medical certificate on the cancellation claim
form will need to be filled in by the general practitioner of
the person who was ill or injured. Cancellation claims
apply in respect of the total booked unit of
accommodation and not per person.
2
If You curtail the holiday
Please give the reason You cut short Your holiday and send
confirmation that You had to come home early. Before
You return home early for medical reasons, You must get a
medical practitioner certificate to confirm that this is
necessary. You must then send this with Your claim form.
Expenses
Please send details and original receipts and bills for any
expenses You have paid.
How to make a complaint
If You have experienced a problem with any part of our
service, we will sort this out as quickly and fairly as
possible.
If you are not satisfied with the service you receive
regarding the sale of your policy please contact Center
Parcs at: Guest Services, Head Office, One Edison Rise,
New Ollerton, Newark, Nottinghamshire, NG22 9DP
If you have a complaint about a claim please contact:
The Customer Relations Manager, MAPFRE Assistance,
1 Victoria Street, Bristol Bridge, Bristol, BS1 6AA.
Phone: 0330 400 1283
E-mail: [email protected]
We expect that the majority of complaints will be quickly
and satisfactorily resolved at this stage, but if You are not
satisfied, You can take the issue further.
If You are still dissatisfied You may refer Your case to the
Financial Ombudsman Service who will investigate your
complaint: Financial Ombudsman Service, Exchange
Tower, London, E14 9SR. Telephone: 0800 023 4567 or
fax: 0207 964 1001
The Ombudsman is an independent body that arbitrate on
complaints about general insurance products and other
financial services.
Financial Services Compensation Scheme
We are covered by the FSCS and You may be entitled to
compensation from the scheme if we cannot meet our
obligations. This depends on the type of business and the
circumstances of the Claim.
Insurance advising and arranging is covered for 90% of the
Claim with no upper limit. Further information about
compensation scheme arrangements is available from the
FSCS.
You can get more information by visiting the FSCS’s
website at www.fscs.org.uk or by writing to:
Financial Services Compensation Scheme, 10th Floor
Beaufort House, 15 St Botolph Street, London,
EC3A 7QU
Data Protection
Some or all of the information which You supply to the
insurer in connection with this Policy will be held on their
computer records to help with the administration of the
Policy. It may be used for underwriting, claims purposes or
marketing purposes by the insurer. Your information may
be transferred outside of the European economic area.
This will only happen when it is necessary for the
conclusion, or performance of a contract that is entered
into at Your request, or interest or for administrative, or
marketing purposes.
Should You not wish Your details to be used for marketing
purposes or if You require a copy of the personal
information We hold, this can be requested by writing
directly to the insurer: MAPFRE ASSISTANCE, 5th Floor,
Alpha House, 24a Lime Street, London, EC3M 7HS
Fraud prevention
To assist with fraud prevention we may share some of
Your claims and policy information with other authorities,
where we are entitled to do under the Data Protection Act
1998. If You are found to have acted in a dishonest or
fraudulent manner. Therefore, if You (including all
members of the booked party):




Make a claim under the policy knowing the claim to
be false or fraudulently exaggerated in any respect,
or;
Make a statement in support of a claim knowing the
statement to be false in any respect, or;
Submit a document in support of a claim knowing the
document to be forged or false in any respect, or;
Make a claim in respect of any loss or damage
caused by Your wilful act or with Your involvement
/ collusion then:
i. We shall not pay any fraudulent claims;
ii. We may recover any sums paid to you in
respect of the fraudulent claim;
iii. We may, by notice, treat the policy as
terminated with effect from the date of the
fraudulent claim and retain all premiums
paid;
iv. Previous valid claims are unaffected; and
v. We may inform the police of the
circumstances.